BlastPoint's Banking Scorecard
Beneficial State Bank
Designations: ✓ Community bank ✓ CDFI-certified
Oakland, CA
9 branches across CA · OR · WA
Beneficial State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 46.6% in tier
- - Return on Assets 1.71% below tier average
- - Delinquency Rate 1.95% above tier average
- - Nonperforming Asset Ratio 1.45% above tier average
- - Efficiency Ratio 13.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+5.2% YoY
-0.5% QoQ
|
-$841.9M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$1.5B
+17.9% YoY
+1.9% QoQ
|
-$486.0M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$1.7B
+1.4% YoY
-0.7% QoQ
|
-$688.0M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
-0.34%
-140.7% YoY
-337.0% QoQ
|
-1.71% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.4% in tier |
| Net Interest Margin ? |
4.00%
+7.7% YoY
+2.0% QoQ
|
+0.18% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
74.81%
-7.9% YoY
+1.5% QoQ
|
+13.75% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
2.84%
+35.1% YoY
+29.2% QoQ
|
+1.95% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.0% in tier |
| Loan-to-Deposit Ratio ? |
89.34%
+16.3% YoY
+2.7% QoQ
|
+5.13% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
24.88%
+1.6% YoY
-0.6% QoQ
|
+3.59% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.13%
+51.3% YoY
+32.3% QoQ
|
+1.45% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.5% in tier |
| Tier 1 Capital Ratio ? |
11.20%
-3.3% YoY
-2.2% QoQ
|
-3.96% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.10%
+110.5% YoY
-73.7% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
32% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.